FAQ
We’ve gathered the most common questions and put them in one place to make things easy for you. If you can’t find what you’re looking for, we’re always happy to help.
Am I covered across Australia with a Members Health fund?
Yes, absolutely.
Members Health funds offer national coverage. Whether you’re at home or traveling interstate, you’ll have access to a wide network of hospitals and extras providers. Our funds have strong relationships across the country, so you can have peace of mind about getting treatment from a provider you trust, when and where it suits you.
How can I choose the right Members Health fund for me?
Start by thinking about your needs, whether it’s extras like dental and physio, or hospital cover for peace of mind. Use the Find a Fund feature on our website to explore not-for-profit and member owned funds that suit your lifestyle, health needs, and budget.
Find your Members Health Fund here
How do Members Health funds support their members beyond just cover?
Members Health funds can go beyond claims and cover. Many offer access to preventative health services, mental health support, wellness programs, and personalised guidance all designed to help you stay healthier, longer.
And let’s not discount the fact that Extras cover can mean having regular dental and optical check-ups which can help prevent more complex, often debilitating and painful health issues from arising down the track. Members Health funds help cover over 37 million episodes for extras services each year.
Follow the link to learn more and for examples.
Can I switch to a Members Health fund without losing my waiting periods?
Yes.
If you’re transferring from another health fund and maintaining the same level of cover, you will not have to re-serve waiting periods. However, if your new policy includes benefits that are new or offer higher limits than your previous cover, you’ll need to serve the standard waiting periods before you can claim those additional benefits.
Be sure to keep your policy paid up and don’t cancel until the switch is confirmed Also, check the details with your chosen Members Health fund so they can guide you seamlessly through the process.
Are Members Health funds open to everyone?
Many Members Health funds are open to all Australians. Some have eligibility criteria based on employment, profession, or industry of you or a family member but there are plenty of options for the general public too.
Do Members Health funds make profits?
Because Members Health funds are not-for-profit or part of a member-owned group, any profits are reinvested to benefit members, not shareholders or overseas investors. As a result, members typically get more value from their health insurance, including:
- Lower average premium increases across the group, helping to keep health cover more affordable[LH1] .
- A strong focus on customer service, including fast claims processing, excellent advice and personalised member support
- An extensive national network for treatment options, such as care in the home, no-gap arrangements and access to a wide network of providers.
- Good extras benefits for dental, optical, physio and more
- Access to preventative care, wellness and chronic disease management programs
Find your Members Health Fund here
Where can I get help choosing a Members Health fund?
Our website is a great place to start. While we don’t compare prices, we help you explore the values and benefits of each Members Health fund so you can find the fund that aligns with your needs.
Interested in joining? Check out all the Members Health funds you’re considering, each one offers something a little different.
Find your Members Health Fund here
Can I trust a Members Health fund?
Members Health funds include some of Australia’s longest standing and most trusted health insurers. Many have served local communities for over 70 years and maintain strong financial health and high member satisfaction.
Find your Members Health Fund here
How do Members Health funds perform when it comes to customer service?
Members Health funds put you first and consistently achieve above average ratings in customer service and claims satisfaction. By focusing on members, with more responsive and personalised service you are in good hands with a Members Health fund.
Compared to the rest of the industry, Members Health funds consistently score more highly on customer satisfaction measures.
Are Members Health funds more affordable than other insurers?
Members Health funds are not-for-profit or part of a member-owned group, which means they don’t have shareholders or overseas owners to answer to. Instead, they focus on returning more of your premium back to you through better benefits and fairer pricing.
This approach helps keep premiums as low as possible while ensuring that, when you need to claim, your fund is there to support you. It’s quality cover at a fair price with more value going back to the members.
Find your Members Health Fund here
Do Members Health funds offer the same range of cover as other insurers?
Absolutely.
Members Health funds offer access to a wide range of hospital and extras cover options to suit every stage of life including singles, couples, families, and seniors.
Many also provide preventative health programs, mental health support, and tailored benefits to help members stay well.
Take a closer look at the Members Health funds that interest you, speaking with them directly means access to their full range of policies and you can experience their excellent customer service and guidance for yourself.
Find your Members Health Fund here
Where can I find out which health funds are part of Members Health?
You can explore the full list of Members Health funds on our website here.
When deciding which fund to join, we encourage you to contact the funds you are interested in directly before making a final decision. Often, you can get the best deal by going direct rather than using third-party comparators. These comparators often charge their own fees and commissions, and they don’t always provide the full range of policies that are available.
How can I be sure a fund is a Members Health fund?
Look for the tick! By displaying the ‘tick’ of approval, the health fund is showing that it is truly member-focused, prioritising people, not profits.
You will see this logo in advertising of our member funds, keep an eye out for it on websites and even on TV.
Find your Members Health Fund here
Why should I consider a Members Health fund first when choosing health insurance?
Covering 5.4 million Australians, the 23 Members Health funds are run for people, not profits. Which means with no shareholders or overseas investors to answer to, they focus solely on delivering quality cover, fair pricing, and genuine care.
Why our funds are different:
- More of your premiums back in benefits
- Better value for money
- Higher levels of customer service and support
What is a Members Health Fund?
As a unified voice for health funds that are run for people, not for profits, Members Health represents 23 health funds that are not-for-profit or part of a member-owned group. That means the funds exist to serve you, their members, not shareholders or overseas investors. They are owned by you, profits are reinvested into better services, improved cover, and value for money.